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Multi-Purpose Loan for Government Employee

Multi-Purpose Loan for Government Employee

Fulfill your life with government officer loan covering all costs for your demand such as car purchasing, computer purchasing, tuition fee, etc. Trusted with clear and easy conditions, we provide special offers for government officer only at Krung Thai Bank.

 

Service Features

Versatile loan with special interest rates and privilege as agreeing by organization

 

Applicants’ Qualifications

  • Being government officers, permanent and state enterprise employees as agreeing by the bank and their organization

  • Being consider as an appropriate loanees by organization

  • Having a working period of over 1 year.

  • No default of payment record or not being on criminal/civil parole, job suspension and punishment on hold

  • Receiving enough net income to pay for installment

  • Being sui juris

 

Service Terms/ Conditions

In case of having individual bondsmen

  • For government officer of C 7 or above, bondsmen are not required. Maximum loan amount should be up to 1,000,000 baht

  • For government officer of C 5 - C 6 without bondsmen, maximum loan amount should be five times of monthly income

  • For retired state enterprise employees receiving pension through bank account by debiting a deposit, maximum loan should be up to 500,000 baht

  • In case of securities mortgage and transferring right of deposit as securities, 100% of securities and assets or of full amount of the deposit are allowed, but such loan amount should not exceed 5,000,000 baht

 

Loan Term and Installment

  • In case of having bondsmen as securities or in the case of exemption of bondsmen, loan term should not exceed 10 years maximum

  • In case of mortgaging securities and transferring right of deposit as securities, loan term should not exceed 15 years maximum

 

Interest Rate and Fee

  • If any organizations have amount of deposit with the bank by not less than loan amount provided for welfare loan, interest rate should be under below conditions :

    1. In case of having bondsmen as securities and in the case of exemption of bondsmen, interest rate will be equal to organizational deposit interest plus 1.50-4.00% margin per year

    2. In case of mortgaging securities, interest rate will be equal to organizational deposit interest plus 1.50-2.00% margin per year

    3. In case of transferring right of deposit as securities, interest rate will be equal to individual deposit interest plus not less than 1.50% margin per year

    4. In case of default of payment, interest rate will be calculated the highest rate announced by the bank

  • In case of having assets as securities, such assets should be in cost estimate as regulated by the bank

 

Required Documents

  • Notification of loanees’ name list or loan permission letter from organization

  • A copy of letter of permission, made with organization, allowing the bank to debit monthly income

  • A copy of ID card or government officer card or state organization employees and census registration of the loanees and bondsmen

  • Original certificates of income or payment slip or original documents showing reliable income of loanees and bondsmen

  • Other documents as the bank required

 

For more information, please contact